Last Updated: 03/10/2025

Privacy Policy

Introduction

Lend-In Limited (“Lend-In”, “we”, “us”, “our”) values the privacy of every visitor (“you”, “your”) to our website (www.lend-in.io and any associated subdomains). We are committed to protecting your personal data and ensuring you understand how it is collected, used, and stored. This policy also explains your rights under applicable data protection laws.

This Privacy Policy may be updated from time to time to reflect changes in law, technology, or how we operate. Please revisit this page periodically for updates.

About Us

“Lend-In” is the trading name of Lend-In Limited, a company incorporated in England & Wales (Company No. 14796479) with its registered office at:

86–90 Paul Street, London, EC2A 4NE, United Kingdom

We act as both a data controller and, in some cases, a data processor of personal data. ICO registration number: ZB610853.

For any queries relating to this policy or how we handle your data, please contact us at:
📧 info@lend-in.io

Information We Collect

We collect personal data in order to provide our services and comply with legal obligations. This may include:

  • Personal details such as name, date of birth, contact details, and address.
  • Financial information relevant to loan applications (e.g., bank details, business accounts, turnover).
  • Technical data such as IP address, browser type, and usage patterns through cookies.
  • Communications such as emails, forms, or phone calls (which may be recorded for monitoring and compliance).

How We Use Your Data

Your personal data is processed for legitimate and lawful purposes, including:

  • Providing loan comparison and brokerage services.
  • Communicating with you about applications, queries, or updates.
  • Meeting legal, regulatory, and compliance obligations.
  • Improving our services and website experience.
  • Sending updates or marketing material where you have consented (or where soft opt-in rules apply). You may opt out at any time by contacting info@lend-in.io.

Legal Basis for Processing

  • Contract – where processing is necessary to deliver our services or respond to your enquiries.
  • Legitimate interests – for improving services, monitoring traffic, or suggesting relevant products.
  • Legal obligations – to comply with financial, audit, and regulatory requirements.
  • Consent – for marketing or additional services where you have given explicit agreement.

Sharing of Data

We may share your personal data with:

  • Our staff, contractors, and professional advisers where necessary.
  • Our trusted panel of lenders and partners to match you with suitable funding options (as set out in our Terms & Conditions).
  • Technology and service providers, including analytics platforms such as Google Analytics.
  • Regulators, government authorities, or law enforcement if legally required.
  • Successors to our business in the event of merger, sale, or restructuring.

We will never sell your personal information.

Data Storage, Retention & Security

  • Data is stored securely within the UK (or within the EEA where applicable).
  • Access to data is restricted to authorised personnel on a need-to-know basis.
  • We retain personal data only as long as necessary for its purpose. In some cases, this may be up to six years to meet legal and accounting obligations.

Your Rights

You have rights under UK GDPR, including:

  • The right to access your personal data.
  • The right to be informed about how your data is used.
  • The right to correct inaccurate data.
  • The right to request deletion of your data.
  • The right to restrict or object to certain types of processing, including marketing.
  • The right to data portability.
  • The right to withdraw consent at any time where processing is based on consent.

To exercise these rights, please email info@lend-in.io.If you are not satisfied with how your data has been handled, you may lodge a complaint with the Information Commissioner’s Office (ICO) via www.ico.org.uk.

Cookies

Our website uses cookies to improve performance and user experience. These may include:

  • Essential cookies – required for the website to function (e.g., session cookies).
  • Analytics cookies – e.g., Google Analytics, which help us understand site usage.
  • Advertising cookies – which may personalise content and ads based on browsing.

You can adjust cookie preferences in your browser at any time. For more details, please see our Cookies Policy.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review their policies before providing personal data.

Governing Law

This Privacy Policy is governed by the laws of England & Wales. Any disputes will fall under the exclusive jurisdiction of the courts of England & Wales.

Contact Us

If you have any questions about this Privacy Policy, how we process your data, or our use of cookies, please contact us:

📧 info@lend-in.io
📍 Lend-In Limited, 86–90 Paul Street, London, EC2A 4NE, United Kingdom

Consent to Share Your Information

We plan to show you credit offers from carefully selected providers. By ticking the consent box during your application, you give us permission to share relevant data with these providers. These providers may share your information with:

  • Credit reference agencies to run soft credit and identity checks (these checks will not affect your credit score). Some may run hard searches if required for a formal credit decision.
  • Fraud prevention agencies, where necessary. If fraud is detected, you or others may be refused services, finance, or employment.

For more details, please review this Privacy Policy in full.

Partner Privacy Policies

Some of our lending partners maintain their own Privacy Policies which you may wish to review. For example: iwoca – Customer Privacy Policy.